Everything Kenyans Need to Know About Travel Insurance for Dubai
By securing a comprehensive travel insurance plan, Kenyans traveling to Dubai can enjoy coverage for trip disruptions, loss of personal belongings, emergency evacuation or repatriation, and medical emergencies or accidents that may occur during your trip.
When planning a trip to Dubai, it is crucial to consider travel insurance for your peace of mind and financial protection. Healthcare costs in Dubai can be exceptionally high, and hospitals may only accept treatment with proof of insurance or the ability to afford medical expenses.
Are you a Kenyan tourist looking to travel to Dubai? Are you wondering how to secure travel insurance on your next trip to the UAE?
This article by Pacific Prime Dubai will provide you with all the intricate details Kenyan travelers need to know about travel insurance in Dubai, including where to look for it, and what comprehensive travel insurance should include.
Is Travel Insurance Required When Visiting Dubai?
If you need a visa to enter Dubai, proof of travel insurance is necessary for obtaining the visa. In such cases, visitors can obtain a free quote and purchase travel health insurance that meets the mandatory requirements.
Even if a visa is not required, it is still highly advisable to have travel insurance when visiting Dubai. Healthcare costs in Dubai can be significantly high, and hospitals may refuse treatment without proof of insurance or the ability to afford medical expenses.
Most importantly, travel insurance helps cover financial losses associated with unexpected circumstances that could ruin a trip, including illnesses, injuries, accidents, and flight or other transportation delays.
It also covers medical emergencies, including the cost of treatment, repatriation, and medical evacuation.
Where Can I Get Travel Insurance for Dubai?
If you’re seeking travel insurance for your trip to Dubai, you have the option to choose directly from travel insurance companies. Conversely, you can let an insurance broker help you by comparing different plans from various providers.
Here’s what you can expect from travel insurance companies and insurance brokers when looking to secure travel insurance for Dubai:
- Travel Insurance Companies: Several travel insurance companies in Kenya offer coverage for Dubai that specialize in providing travel insurance and can tailor policies to suit your specific needs. Some well-known travel insurance companies include AAA Travel Insurance, AIG Travel Insurance, and Allianz Travel Insurance.
- Insurance Brokers: Another option is to use insurance brokers like Pacific Prime Dubai. Pacific Prime Dubai offers a wide range of travel health insurance plans for Dubai, allowing you to choose the one that suits your needs and budget, and compare different travel insurance policies from various providers.
Factors to Consider When Choosing Travel Insurance for Dubai
From the coverage amount to pre-existing conditions, there are a few key factors to consider when selecting a travel insurance policy for your trip to Dubai. Emergency evacuation and whether or not the plan has additional coverage benefits are important questions to ask.
- Coverage Amount: Consider the maximum coverage amount provided by the insurance policy and ensure it meets the potential healthcare costs in Dubai.
- Pre-Existing Conditions: Check if the policy covers pre-existing medical conditions, as well as any exclusions related to these conditions.
- Emergency Evacuation: Make sure the policy includes coverage for emergency medical evacuation or repatriation in case you need to be transported to another location for medical treatment.
- Additional Coverage: Consider any additional coverage options you may need, such as coverage for expensive items, adventure sports, or personal liability.
By taking the time to research and compare travel health insurance options, you can ensure that you have the necessary coverage to protect yourself during your trip to Dubai.
The Best Travel Insurance Carriers
IMG, Vumi, and April International are the best travel insurance carriers for Kenyan travelers looking to visit Dubai. Below is a table illustrating their relative advantages.
| Insurer/Benefits | IMG | VUMI | April International |
| Age Limit | Up to 69 | Up to 79 | Up to 80 |
| Currency | USD, GBP, EURO | USD only | EURO only |
| Coverage | Worldwide except the US | Worldwide coverage, but cannot be sold to US/Canada residents | Worldwide, with plans restricted to certain locations |
| Pre-Existing Conditions | No | Yes | No |
| Flexibility | High (deductibles and limits) | High (annual multi-trips/single trip available) | Medium (worldwide coverage) |
| Cost-Effectiveness | Good | Medium | Good |
| Special Features/Remarks | Emergency dental cover
No cover in home country |
Cover unforeseen pregnancy up to 20 weeks
Free coverage for dependents under two years old |
15-day waiting period if already traveling in the country
Emergency dental treatment of up to EURO 400 A minimum of 3 months cover) |
What Should Travel Insurance for Dubai Include?
When purchasing travel medical insurance for your trip to Dubai, it’s important to ensure that the policy includes comprehensive coverage for various situations and emergencies, such as medical emergencies, trip disruptions, and the loss of personal belongings.
Here are the essential coverage options that should be included in your travel medical insurance for Dubai:
Medical Emergencies Coverage:
- Coverage for ambulance and emergency medical services.
- Coverage for hospitalization, surgical procedures, and medication expenses.
- Access to a wide network of healthcare providers.
Trip Disruption Coverage:
- Reimbursement for trip cancellation or interruption due to unforeseen events.
- Coverage for additional accommodation and transportation expenses in case of trip delays.
Coverage for Loss of Personal Belongings:
- Reimbursement for lost, stolen, or damaged personal belongings, including luggage, electronics, and valuables.
- Protection against theft or damage to personal belongings during your trip.
Coverage for Emergency Evacuation or Repatriation:
- Arrangements and coverage for emergency medical evacuation to the nearest appropriate medical facility.
- Repatriation of mortal remains in case of accidental death.
Will UAE Travel Medical Insurance Cover Activities?
Typically, UAE travel medical insurance excludes coverage for activities that are considered high-risk. Activities such as skydiving, dune bashing, and scuba diving are often excluded from standard UAE travel insurance policies.
These activities involve a higher level of risk, and insurance providers may not cover accidents or injuries that occur while participating in them. However, it’s worth noting that some insurance companies may offer additional coverage for high-risk activities for an extra cost.
It’s also important to remember that UAE travel insurance will not cover accidents or injuries caused by recklessness, intoxication, pre-existing medical conditions, loss or damage to properties, missed flights, or cancellations.
These exclusions are standard in most travel insurance policies and are meant to protect both the insurance provider and the insured.
Is Dubai Travel Insurance Expensive?
The cost of Dubai travel insurance can vary depending on several factors. These factors include the duration of your trip, the amount of coverage, the age of the travelers, the timing of your purchase, the number of people under the policy, and whether add-ons (or top-ups) have been added.
Generally, travel insurance prices for Dubai range from 4% to 10% of the total cost of your trip.
An experienced insurance broker like Pacific Prime Dubai can help you compare and find major travel plans that meet your medical needs and budget. You can also use our online quotation tool to check the price quickly on the Internet.
Let Us Cover You During Your Trip to Dubai
All in all, securing comprehensive travel insurance makes your trip to Dubai worry-free. From the spectacular landscape and stunning landmarks to the lavish city lifestyle, all you have to do is create unforgettable memories without having to worry about personal and financial safety.
To find a budget-friendly plan that satisfies your unique requirements, it is best to work with Pacific Prime Dubai. With over 20 years of reputation as an experienced insurance broker, we have a team of experts to provide you with impartial advice
Contact us today or compare insurance plans across top insurers around the globe to help you get started!
Frequently Asked Questions
Is travel insurance required when visiting Dubai?
Travel insurance is not mandatory for visiting Dubai unless a visa is required, in which case proof of travel insurance is necessary for obtaining the visa.
Where can I get travel health insurance for Dubai?
Visitors can purchase travel health insurance from travel insurance companies or through insurance brokers like Pacific Prime Dubai which meets the mandatory requirements.
Can I take paracetamol to Dubai?
Paracetamol is not featured on the MoH’s list of controlled drugs, so you should be able to take it into Dubai. However, if you are ever unsure then check with your doctor.
What is not allowed in Dubai as a tourist?
PDA (including same-sex PDA) and public drunkenness is not allowed in Dubai as a tourist. Possessing products containing CBD, immodest dress, especially for women (which can include bare arms, low necklines, and short shorts), are also not allowed.
Which month is the best to visit Dubai?
November to March is the best time to visit Dubai, with temperatures ranging from 15°C to 25°C. All major attractions and outdoor sites are easily accessible and enjoyable during these months.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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